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Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

Case Study SWOT Analysis Solution

Case Study Description of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version


The case describes how a 120-year-old, domestic bank in Peru, focusing on A, B and C socio-economic segments and corporate banking, as well as boasting the country's largest channel customer service network and leading the industry in the number of monetary transactions, spotted a business opportunity in a segment that strays from its core business -the low-income sector (D). To seize it, the bank developed in 2005 Agente BCP, a new channel to cater to this segment with banking agents. After launching Agente BCP, it recorded unexpected growth rates, and did the largest number of transactions as compared to other BCP channels, taking the brand name to remote locations, and receiving numerous awards. However, some executives still wondered whether this channel should continue to be part of the bank's operations or whether the time had come to spin it off. Universidad del PacA?fico' case collection

Authors :: Giuliana Leguia, Michelle Rodriguez Serra, Elsa Del Castillo

Topics :: Strategy & Execution

Tags :: Emerging markets, SWOT Analysis, SWOT Matrix, TOWS, Weighted SWOT Analysis

Swot Analysis of "Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version" written by Giuliana Leguia, Michelle Rodriguez Serra, Elsa Del Castillo includes – strengths weakness that are internal strategic factors of the organization, and opportunities and threats that Bcp Agente facing as an external strategic factors. Some of the topics covered in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version case study are - Strategic Management Strategies, Emerging markets and Strategy & Execution.


Some of the macro environment factors that can be used to understand the Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version casestudy better are - – increasing energy prices, challanges to central banks by blockchain based private currencies, increasing household debt because of falling income levels, geopolitical disruptions, increasing government debt because of Covid-19 spendings, competitive advantages are harder to sustain because of technology dispersion, increasing inequality as vast percentage of new income is going to the top 1%, digital marketing is dominated by two big players Facebook and Google, talent flight as more people leaving formal jobs, etc



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Introduction to SWOT Analysis of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version


SWOT stands for an organization’s Strengths, Weaknesses, Opportunities and Threats . At Oak Spring University , we believe that protagonist in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version case study can use SWOT analysis as a strategic management tool to assess the current internal strengths and weaknesses of the Bcp Agente, and to figure out the opportunities and threats in the macro environment – technological, environmental, political, economic, social, demographic, etc in which Bcp Agente operates in.

According to Harvard Business Review, 75% of the managers use SWOT analysis for various purposes such as – evaluating current scenario, strategic planning, new venture feasibility, personal growth goals, new market entry, Go To market strategies, portfolio management and strategic trade-off assessment, organizational restructuring, etc.




SWOT Objectives / Importance of SWOT Analysis and SWOT Matrix


SWOT analysis of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version can be done for the following purposes –
1. Strategic planning using facts provided in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version case study
2. Improving business portfolio management of Bcp Agente
3. Assessing feasibility of the new initiative in Strategy & Execution field.
4. Making a Strategy & Execution topic specific business decision
5. Set goals for the organization
6. Organizational restructuring of Bcp Agente




Strengths Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version | Internal Strategic Factors
What are Strengths in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The strengths of Bcp Agente in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version Harvard Business Review case study are -

Ability to lead change in Strategy & Execution field

– Bcp Agente is one of the leading players in its industry. Over the years it has not only transformed the business landscape in its segment but also across the whole industry. The ability to lead change has enabled Bcp Agente in – penetrating new markets, reaching out to new customers, and providing different value propositions to different customers in the international markets.

Low bargaining power of suppliers

– Suppliers of Bcp Agente in the sector have low bargaining power. Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version has further diversified its suppliers portfolio by building a robust supply chain across various countries. This helps Bcp Agente to manage not only supply disruptions but also source products at highly competitive prices.

Diverse revenue streams

– Bcp Agente is present in almost all the verticals within the industry. This has provided firm in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version case study a diverse revenue stream that has helped it to survive disruptions such as global pandemic in Covid-19, financial disruption of 2008, and supply chain disruption of 2021.

Learning organization

- Bcp Agente is a learning organization. It has inculcated three key characters of learning organization in its processes and operations – exploration, creativity, and expansiveness. The work place at Bcp Agente is open place that encourages instructiveness, ideation, open minded discussions, and creativity. Employees and leaders in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version Harvard Business Review case study emphasize – knowledge, initiative, and innovation.

Superior customer experience

– The customer experience strategy of Bcp Agente in the segment is based on four key concepts – personalization, simplification of complex needs, prompt response, and continuous engagement.

Highly skilled collaborators

– Bcp Agente has highly efficient outsourcing and offshoring strategy. It has resulted in greater operational flexibility and bringing down the costs in highly price sensitive segment. Secondly the value chain collaborators of the firm in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version HBR case study have helped the firm to develop new products and bring them quickly to the marketplace.

Digital Transformation in Strategy & Execution segment

- digital transformation varies from industry to industry. For Bcp Agente digital transformation journey comprises differing goals based on market maturity, customer technology acceptance, and organizational culture. Bcp Agente has successfully integrated the four key components of digital transformation – digital integration in processes, digital integration in marketing and customer relationship management, digital integration into the value chain, and using technology to explore new products and market opportunities.

Successful track record of launching new products

– Bcp Agente has launched numerous new products in last few years, keeping in mind evolving customer preferences and competitive pressures. Bcp Agente has effective processes in place that helps in exploring new product needs, doing quick pilot testing, and then launching the products quickly using its extensive distribution network.

Analytics focus

– Bcp Agente is putting a lot of focus on utilizing the power of analytics in business decision making. This has put it among the leading players in the industry. The technology infrastructure suggested by Giuliana Leguia, Michelle Rodriguez Serra, Elsa Del Castillo can also help it to harness the power of analytics for – marketing optimization, demand forecasting, customer relationship management, inventory management, information sharing across the value chain etc.

Effective Research and Development (R&D)

– Bcp Agente has innovation driven culture where significant part of the revenues are spent on the research and development activities. This has resulted in, as mentioned in case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version - staying ahead in the industry in terms of – new product launches, superior customer experience, highly competitive pricing strategies, and great returns to the shareholders.

Training and development

– Bcp Agente has one of the best training and development program in the industry. The effectiveness of the training programs can be measured in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version Harvard Business Review case study by analyzing – employees retention, in-house promotion, loyalty, new venture initiation, lack of conflict, and high level of both employees and customer engagement.

Innovation driven organization

– Bcp Agente is one of the most innovative firm in sector. Manager in Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version Harvard Business Review case study can use Clayton Christensen Disruptive Innovation strategies to further increase the scale of innovtions in the organization.






Weaknesses Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version | Internal Strategic Factors
What are Weaknesses in SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis

The weaknesses of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version are -

No frontier risks strategy

– After analyzing the HBR case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version, it seems that company is thinking about the frontier risks that can impact Strategy & Execution strategy. But it has very little resources allocation to manage the risks emerging from events such as natural disasters, climate change, melting of permafrost, tacking the rise of artificial intelligence, opportunities and threats emerging from commercialization of space etc.

Slow to harness new channels of communication

– Even though competitors are using new communication channels such as Instagram, Tiktok, and Snap, Bcp Agente is slow explore the new channels of communication. These new channels of communication mentioned in marketing section of case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version can help to provide better information regarding products and services. It can also build an online community to further reach out to potential customers.

High cash cycle compare to competitors

Bcp Agente has a high cash cycle compare to other players in the industry. It needs to shorten the cash cycle by 12% to be more competitive in the marketplace, reduce inventory costs, and be more profitable.

Products dominated business model

– Even though Bcp Agente has some of the most successful products in the industry, this business model has made each new product launch extremely critical for continuous financial growth of the organization. firm in the HBR case study - Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version should strive to include more intangible value offerings along with its core products and services.

High dependence on existing supply chain

– The disruption in the global supply chains because of the Covid-19 pandemic and blockage of the Suez Canal illustrated the fragile nature of Bcp Agente supply chain. Even after few cautionary changes mentioned in the HBR case study - Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version, it is still heavily dependent upon the existing supply chain. The existing supply chain though brings in cost efficiencies but it has left Bcp Agente vulnerable to further global disruptions in South East Asia.

Increasing silos among functional specialists

– The organizational structure of Bcp Agente is dominated by functional specialists. It is not different from other players in the Strategy & Execution segment. Bcp Agente needs to de-silo the office environment to harness the true potential of its workforce. Secondly the de-silo will also help Bcp Agente to focus more on services rather than just following the product oriented approach.

Need for greater diversity

– Bcp Agente has taken concrete steps on diversity, equity, and inclusion. But the efforts so far has resulted in limited success. It needs to expand the recruitment and selection process to hire more people from the minorities and underprivileged background.

Employees’ incomplete understanding of strategy

– From the instances in the HBR case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version, it seems that the employees of Bcp Agente don’t have comprehensive understanding of the firm’s strategy. This is reflected in number of promotional campaigns over the last few years that had mixed messaging and competing priorities. Some of the strategic activities and services promoted in the promotional campaigns were not consistent with the organization’s strategy.

Slow decision making process

– As mentioned earlier in the report, Bcp Agente has a very deliberative decision making approach. This approach has resulted in prudent decisions, but it has also resulted in missing opportunities in the industry over the last five years. Bcp Agente even though has strong showing on digital transformation primary two stages, it has struggled to capitalize the power of digital transformation in marketing efforts and new venture efforts.

Ability to respond to the competition

– As the decision making is very deliberative, highlighted in the case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version, in the dynamic environment Bcp Agente has struggled to respond to the nimble upstart competition. Bcp Agente has reasonably good record with similar level competitors but it has struggled with new entrants taking away niches of its business.

Skills based hiring

– The stress on hiring functional specialists at Bcp Agente has created an environment where the organization is dominated by functional specialists rather than management generalist. This has resulted into product oriented approach rather than marketing oriented approach or consumers oriented approach.




Opportunities Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version | External Strategic Factors
What are Opportunities in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The opportunities highlighted in the Harvard Business Review case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version are -

Manufacturing automation

– Bcp Agente can use the latest technology developments to improve its manufacturing and designing process in Strategy & Execution segment. It can use CAD and 3D printing to build a quick prototype and pilot testing products. It can leverage automation using machine learning and artificial intelligence to do faster production at lowers costs, and it can leverage the growth in satellite and tracking technologies to improve inventory management, transportation, and shipping.

Building a culture of innovation

– managers at Bcp Agente can make experimentation a productive activity and build a culture of innovation using approaches such as – mining transaction data, A/B testing of websites and selling platforms, engaging potential customers over various needs, and building on small ideas in the Strategy & Execution segment.

Reconfiguring business model

– The expansion of digital payment system, the bringing down of international transactions costs using Bitcoin and other blockchain based currencies, etc can help Bcp Agente to reconfigure its entire business model. For example it can used blockchain based technologies to reduce piracy of its products in the big markets such as China. Secondly it can use the popularity of e-commerce in various developing markets to build a Direct to Customer business model rather than the current Channel Heavy distribution network.

Use of Bitcoin and other crypto currencies for transactions

– The popularity of Bitcoin and other crypto currencies as asset class and medium of transaction has opened new opportunities for Bcp Agente in the consumer business. Now Bcp Agente can target international markets with far fewer capital restrictions requirements than the existing system.

Reforming the budgeting process

- By establishing new metrics that will be used to evaluate both existing and potential projects Bcp Agente can not only reduce the costs of the project but also help it in integrating the projects with other processes within the organization.

Remote work and new talent hiring opportunities

– The widespread usage of remote working technologies during Covid-19 has opened opportunities for Bcp Agente to expand its talent hiring zone. According to McKinsey Global Institute, 20% of the high end workforce in fields such as finance, information technology, can continously work from remote local post Covid-19. This presents a really great opportunity for Bcp Agente to hire the very best people irrespective of their geographical location.

Redefining models of collaboration and team work

– As explained in the weaknesses section, Bcp Agente is facing challenges because of the dominance of functional experts in the organization. Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version case study suggests that firm can utilize new technology to build more coordinated teams and streamline operations and communications using tools such as CAD, Zoom, etc.

Developing new processes and practices

– Bcp Agente can develop new processes and procedures in Strategy & Execution industry using technology such as automation using artificial intelligence, real time transportation and products tracking, 3D modeling for concept development and new products pilot testing etc.

Increase in government spending

– As the United States and other governments are increasing social spending and infrastructure spending to build economies post Covid-19, Bcp Agente can use these opportunities to build new business models that can help the communities that Bcp Agente operates in. Secondly it can use opportunities from government spending in Strategy & Execution sector.

Changes in consumer behavior post Covid-19

– Consumer behavior has changed in the Strategy & Execution industry because of Covid-19 restrictions. Some of this behavior will stay once things get back to normal. Bcp Agente can take advantage of these changes in consumer behavior to build a far more efficient business model. For example consumer regular ordering of products can reduce both last mile delivery costs and market penetration costs. Bcp Agente can further use this consumer data to build better customer loyalty, provide better products and service collection, and improve the value proposition in inflationary times.

Leveraging digital technologies

– Bcp Agente can leverage digital technologies such as artificial intelligence and machine learning to automate the production process, customer analytics to get better insights into consumer behavior, realtime digital dashboards to get better sales tracking, logistics and transportation, product tracking, etc.

Loyalty marketing

– Bcp Agente has focused on building a highly responsive customer relationship management platform. This platform is built on in-house data and driven by analytics and artificial intelligence. The customer analytics can help the organization to fine tune its loyalty marketing efforts, increase the wallet share of the organization, reduce wastage on mainstream advertising spending, build better pricing strategies using personalization, etc.

Using analytics as competitive advantage

– Bcp Agente has spent a significant amount of money and effort to integrate analytics and machine learning into its operations in the sector. This continuous investment in analytics has enabled, as illustrated in the Harvard case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version - to build a competitive advantage using analytics. The analytics driven competitive advantage can help Bcp Agente to build faster Go To Market strategies, better consumer insights, developing relevant product features, and building a highly efficient supply chain.




Threats Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version External Strategic Factors
What are Threats in the SWOT Analysis / TOWS Matrix / Weighted SWOT Analysis


The threats mentioned in the HBR case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version are -

Barriers of entry lowering

– As technology is more democratized, the barriers to entry in the industry are lowering. It can presents Bcp Agente with greater competitive threats in the near to medium future. Secondly it will also put downward pressure on pricing throughout the sector.

Stagnating economy with rate increase

– Bcp Agente can face lack of demand in the market place because of Fed actions to reduce inflation. This can lead to sluggish growth in the economy, lower demands, lower investments, higher borrowing costs, and consolidation in the field.

Technology acceleration in Forth Industrial Revolution

– Bcp Agente has witnessed rapid integration of technology during Covid-19 in the Strategy & Execution industry. As one of the leading players in the industry, Bcp Agente needs to keep up with the evolution of technology in the Strategy & Execution sector. According to Mckinsey study top managers believe that the adoption of technology in operations, communications is 20-25 times faster than what they planned in the beginning of 2019.

Shortening product life cycle

– it is one of the major threat that Bcp Agente is facing in Strategy & Execution sector. It can lead to higher research and development costs, higher marketing expenses, lower customer loyalty, etc.

High dependence on third party suppliers

– Bcp Agente high dependence on third party suppliers can disrupt its processes and delivery mechanism. For example -the current troubles of car makers because of chip shortage is because the chip companies started producing chips for electronic companies rather than car manufacturers.

Increasing international competition and downward pressure on margins

– Apart from technology driven competitive advantage dilution, Bcp Agente can face downward pressure on margins from increasing competition from international players. The international players have stable revenue in their home market and can use those resources to penetrate prominent markets illustrated in HBR case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version .

Consumer confidence and its impact on Bcp Agente demand

– There is a high probability of declining consumer confidence, given – high inflammation rate, rise of gig economy, lower job stability, increasing cost of living, higher interest rates, and aging demography. All the factors contribute to people saving higher rate of their income, resulting in lower consumer demand in the industry and other sectors.

Environmental challenges

– Bcp Agente needs to have a robust strategy against the disruptions arising from climate change and energy requirements. EU has identified it as key priority area and spending 30% of its 880 billion Euros European post Covid-19 recovery funds on green technology. Bcp Agente can take advantage of this fund but it will also bring new competitors in the Strategy & Execution industry.

Regulatory challenges

– Bcp Agente needs to prepare for regulatory challenges as consumer protection groups and other pressure groups are vigorously advocating for more regulations on big business - to reduce inequality, to create a level playing field, to product data privacy and consumer privacy, to reduce the influence of big money on democratic institutions, etc. This can lead to significant changes in the Strategy & Execution industry regulations.

High level of anxiety and lack of motivation

– the Great Resignation in United States is the sign of broader dissatisfaction among the workforce in United States. Bcp Agente needs to understand the core reasons impacting the Strategy & Execution industry. This will help it in building a better workplace.

Technology disruption because of hacks, piracy etc

– The colonial pipeline illustrated, how vulnerable modern organization are to international hackers, miscreants, and disruptors. The cyber security interruption, data leaks, etc can seriously jeopardize the future growth of the organization.

New competition

– After the dotcom bust of 2001, financial crisis of 2008-09, the business formation in US economy had declined. But in 2020 alone, there are more than 1.5 million new business applications in United States. This can lead to greater competition for Bcp Agente in the Strategy & Execution sector and impact the bottomline of the organization.

Learning curve for new practices

– As the technology based on artificial intelligence and machine learning platform is getting complex, as highlighted in case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version, Bcp Agente may face longer learning curve for training and development of existing employees. This can open space for more nimble competitors in the field of Strategy & Execution .




Weighted SWOT Analysis of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version Template, Example


Not all factors mentioned under the Strengths, Weakness, Opportunities, and Threats quadrants in the SWOT Analysis are equal. Managers in the HBR case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version needs to zero down on the relative importance of each factor mentioned in the Strengths, Weakness, Opportunities, and Threats quadrants. We can provide the relative importance to each factor by assigning relative weights. Weighted SWOT analysis process is a three stage process –

First stage for doing weighted SWOT analysis of the case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version is to rank the strengths and weaknesses of the organization. This will help you to assess the most important strengths and weaknesses of the firm and which one of the strengths and weaknesses mentioned in the initial lists are marginal and can be left out.

Second stage for conducting weighted SWOT analysis of the Harvard case study Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version is to give probabilities to the external strategic factors thus better understanding the opportunities and threats arising out of macro environment changes and developments.

Third stage of constructing weighted SWOT analysis of Banco de Credito del Peru: Agente BCP - Strategy Channeling or Channel Segmentation?, Spanish Version is to provide strategic recommendations includes – joining likelihood of external strategic factors such as opportunities and threats to the internal strategic factors – strengths and weaknesses. You should start with external factors as they will provide the direction of the overall industry. Secondly by joining probabilities with internal strategic factors can help the company not only strategic fit but also the most probably strategic trade-off that Bcp Agente needs to make to build a sustainable competitive advantage.



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